Income needed to buy a home
Cloud County, KS
$44,130
a year in household income to buy the typical Cloud County home with 10% down.
The monthly math
Typical home value$123,210
Down payment (10%)$12,321
Loan$110,889
Principal and interest (7.40%)$768/mo
Property tax (1.5% a year)$154/mo
Homeowners insurance (estimate)$62/mo
Mortgage insurance$46/mo
Total monthly cost$1,030/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Within reach
The typical household here earns $58,770 a year, 33% more than it takes.
In Kansas
Cloud County ranks #31 of 105 for the income a home takes, from least to most.
Easiest to afford in Kansas
| County | Typical home | Income needed |
|---|---|---|
| Edwards County | $86,805 | $30,102 |
| Chautauqua County | $91,437 | $31,114 |
| Clark County | $90,922 | $31,114 |
| Barber County | $94,133 | $33,258 |
| Rush County | $95,871 | $33,742 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.